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Homeowners Insurance in 32509

In Pensacola, FL, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 32509 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 32509 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32509 should appear in the zip code field ready to go.

32509 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Florida, you are going to see rates around the average home insurance premium per year of $1630. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Pensacola home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 32509 Home Insurance Rates Now!

Best 3 Options to Compare in 32509

If you want homeowners insurance quotes within the city of Pensacola or in the 32509 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Pensacola, FL.

32509 Home Insurance Average Premiums

Local 32509 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32509 lowest rates with discounts applied on average.

For the 32509, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 32509?

  • • The average homeowners insurance premium paid annually for a home in 32509 is around $1630 per year.

What does it cost on average per month for home insurance in 32509?

  • • Homeowners in 32509 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32509?

  • • Autoowners in 32509 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Pensacola area, check out other zip codes nearby 32509.
Review average rates in another zip code:
32514 homeowners insurance rates
32501 homeowners insurance rates
32504 homeowners insurance rates
32508 homeowners insurance rates
32503 homeowners insurance rates
32505 homeowners insurance rates
32509 homeowners insurance rates
32534 homeowners insurance rates
32507 homeowners insurance rates
32526 homeowners insurance rates

Home Replacement Cost Coverage in 32509

Average Building Cost Per Square Foot in 32509: $167

Location: Pensacola, Florida (Escambia County)

Average Square Footage in 32509: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32509 before you start any project. Pensacola homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 32509 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 32509 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 988 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Pensacola area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$167988$165,000
Additional Upgrades & Added Features$209988$206,250
Major Home Updates or Advancements$251988$247,500

It's important to understand that when you estimate your replacement cost of your home in the 32509 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 32509

Best Home & Auto Insurance Agencies in 32509

Housing Demographics for 32509

Population Review for 32509 Zip Code

For the city of Pensacola, the population within 32509 has increased to over 0 residents in population size. The current population total is 561. We have broken down the population based on race below. In 32509, there are over 542 in male population and 19 females.

PopulationValues
Total Population561
White Population319
Black Population234
Hispanic Population179
Asian Population8
Hawaiian Population0
Indian Population0
Other Population0
Male Population542
Female Population19
Population Estimate0

Household Data for 32509

The average number of homes in 32509 is around 0, there are an average of 0.00 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode0
Persons Per Household0.00
Average House Value$165,000
Income Per Household$0
Median Age44.1
Median Age Male44.2
Median Age Female43.8
32509 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityPensacola
City Alias NamePENSACOLA
CountyEscambia
County FIPS033
State FIPS12
Time Zone6
Day Light SavingY
MSA6080
PMSA
CSA
CBSA37860
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePensacola-Ferry Pass-Brent, FL
MSA_NamePensacola, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees280
Business First Quarter Payroll4758
Business Annual Payroll17654
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population448991
CBSA Division Population0
Congressional District01
Congressional LandArea4016.3
Delivery Residential0
Delivery Business0
Delivery Total434
Preferred Last Line KeyY22688
Classification CodeU
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22688
Land Area1.285000
Water Area0.004000
City Alias CodeM1
City Mixed CasePensacola
City Alias Mixed CasePensacola
Box Count0
SFDU0
MFDU0
State ANSI12
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number117410
Unique ZIP Name
SSA State County Code10160
Medicare CBSA Code37860
Medicare CBSA NamePensacola-Ferry Pass-Brent, FL
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseEscambia

Florida Homeowners Insurance News & Information

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]